Qualifications: Must perform at least 10 debit card purchases, have a direct deposit or ACH transaction, and must receive their statement via e-statements to a valid email address. Qualifying transactions must post and settle to the account during the monthly qualification cycle. The qualification cycle ends on the second to the last business day of each month. Transactions may take one or more banking days from the date the transaction was made to post to an account. Any internal transfers made within or between InRoads accounts do not count as qualifying ACH or automatic payment transactions.

Savings

Savings

Regular Savings

APY*

Minimum to open

$5 to $299

0.00%

$5

$300 to $9,999

0.05%

$5

$10,000 to $49,999

0.05%

$5

$50,000 and higher

0.10%

$5

Boost Savings

APY*

Minimum to open

$0 to $5,000

2.00%

$10

$5,001 to $10,000

1.50% - 2.00%

$10

$10,001 to $25,000

0.75% - 1.50%

$10

$25,001 to $100,000

0.38% - 0.75%

$10

$100,001 and greater

0.26% - 0.38%

$10

Boost Savings with Bonus Rate**

APY*

Minimum to open

$0 to $5,000

2.50%

$10

$5,001 to $10,000

1.99% - 2.50%

$10

$10,001 to $25,000

1.25% - 1.99%

$10

$25,001 to $100,000

0.88% - 1.25%

$10

$100,001 and greater

0.75% - 0.88%

$10

IRA Savings

APY*

Minimum to open

$5 to $24,999

0.30%

$5

$25,000 and higher

0.45%

$5

Money Market

APY*

Minimum to open

$0 to $4,999

0.00%

$5,000

$5,000 to 24,999

0.35%

$5,000

$25,000 to $49,999

0.40%

$5,000

$50,000 to $74,999

0.45%

$5,000

$75,000 to $99,999

0.50%

$5,000

$100,000 to $249,999

0.55%

$5,000

$250,000 and higher

0.60%

$5,000

Cub Club Savings

APY*

Minimum to open

$5 to $9,999

0.10%

$5

$10,000 and higher

0.15%

$5

Teen Savings

APY*

Minimum to open

$5 to $9,999

0.10%

$5

$10,000 and higher

0.15%

$5

Special Savings

APY*

Minimum to open

$5 to $299

0.00%

$5

$300 to $9,999

0.05%

$5

$10,000 to $49,999

0.05%

$5

$50,000 and higher

0.10%

$5

Christmas Club

APY*

Minimum to open

$0 to $299

0.10%

$5

$300 to $9,999

0.10%

$5

$10,000 to $49,999

0.15%

$5

$50,000 and higher

0.15%

$5

Share Certificates

Share Certificates

6 Month

APY*

Minimum to open

$500 to $9,999

0.40%

$500

$10,000 to $24,999

0.45%

$10,000

$25,000 to $49,999

0.50%

$25,000

$50,000 to $99,999

0.55%

$50,000

$100,000 and higher

0.60%

$100,000

12 Month

APY*

Minimum to open

$500 to $9,999

0.60%

$500

$10,000 to $24,999

0.65%

$10,000

$25,000 to $49,999

0.70%

$25,000

$50,000 to $99,999

0.75%

$50,000

$100,000 and higher

0.80%

$100,000

24 Month

APY*

Minimum to open

$500 to $9,999

0.70%

$500

$10,000 to $24,999

0.75%

$10,000

$25,000 to $49,999

0.80%

$25,000

$50,000 to $99,999

0.85%

$50,000

$100,000 and higher

0.90%

$100,000

36 Month

APY*

Minimum to open

$500 to $9,999

0.90%

$500

$10,000 to $24,999

0.95%

$10,000

$25,000 to $49,999

1.00%

$25,000

$50,000 to $99,999

1.06%

$50,000

$100,000 and higher

1.11%

$100,000

60 Month

APY*

Minimum to open

$500 to $9,999

1.21%

$500

$10,000 to $24,999

126%

$10,000

$25,000 to $49,999

1.31%

$25,000

$50,000 to $99,999

1.36%

$50,000

$100,000 and higher

1.41%

$100,000

36 Month Young Savers

APY*

Minimum to open

$200 to $10,000

0.90%

$200

12 Month Save to Win

APY*

Minimum to Open

$25 to $3,000

0.50%

$25

Early withdrawal penalties may apply.

APY= Annual Percentage Yield. This offer, including the stated APY, is effective May 11, 2020. InRoads Credit Union reserves the right to end or modify this offer at any time. Maximum deposit is $250,000. Upon maturity, certificate will auto renew to a 12-month term at the current rate. Penalties apply for early withdrawals from certificates. Other restrictions may apply.

Non-Compounding Share Certificates

12 Month

APY*

Minimum to open

$500 to $9,999

0.60%

$500

$10,000 to $24,999

0.65%

$10,000

$25,000 to $49,999

0.70%

$25,000

$50,000 to $99,999

0.75%

$50,000

$100,000 and higher

0.80%

$100,000

24 Month

APY*

Minimum to open

$500 to $9,999

0.70%

$500

$10,000 to $24,999

0.75%

$10,000

$25,000 to $49,999

0.80%

$25,000

$50,000 to $99,999

0.85%

$50,000

$100,000 and higher

0.90%

$100,000

60 Month

APY*

Minimum to open

$500 to $9,999

1.20%

$500

$10,000 to $24,999

1.25%

$10,000

$25,000 to $49,999

1.30%

$25,000

$50,000 to $99,999

1.35%

$50,000

$100,000 and higher

1.40%

$100,000

Early withdrawal penalties may apply.

IRA Share Certificates

12 Month

APY*

Minimum to open

$500 to $9,999

0.60%

$500

$10,000 to $24,999

0.65%

$10,000

$25,000 to $49,999

0.70%

$25,000

$50,000 to $99,999

0.75%

$50,000

$100,000 and higher

0.80%

$100,000

24 Month

APY*

Minimum to open

$500 to $9,999

0.70%

$500

$10,000 to $24,999

0.75%

$10,000

$25,000 to $49,999

0.80%

$25,000

$50,000 to $99,999

0.85%

$50,000

$100,000 and higher

0.90%

$100,000

36 Month

APY*

Minimum to open

$500 to $9,999

0.90%

$500

$10,000 to $24,999

0.95%

$10,000

$25,000 to $49,999

1.00%

$25,000

$50,000 to $99,999

1.05%

$50,000

$100,000 and higher

1.11%

$100,000

Early withdrawal penalties may apply.

*APY – Annual Percentage Yield. Fees may reduce earnings. All APRs and APYs are effective as of 05/21/2020 and may change in the future.

**To qualify for the Bonus Rate, the Credit Union must receive at least one (1) direct deposit of at least $10 during the month to any account under the member number for which the Boost Savings Account is opened. If a qualifying direct deposit is not received for 2 consecutive months, the Bonus Rate will not be paid starting the third month and dividends will be paid at the standard Boost Savings dividend rate until a qualifying direct deposit is resumed. It is the member responsibility to notify the Credit Union that a direct deposit has started or has resumed. Only one Boost Savings is allowed per individual. This account cannot be used for automatic overdraft protection.

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